Editor’s word: This can be a recurring submit, often up to date with new info.
Quite a few American Categorical playing cards supply journey protections that may take the headache out of your holidays. Nonetheless, the protection you get (and the boundaries of mentioned protection) differ by card. Reasonably than attempting to recollect all of this by yourself, we are going to information you thru the journey protections supplied by American Categorical playing cards.
This information offers a complete, detailed have a look at the number of journey protections supplied throughout the American Categorical card portfolio. Every part outlines a sort of protection and the playing cards providing this protection. We additionally embody protection limits and any further caveats to remember.
Here is what it’s good to learn about American Categorical journey insurance coverage protection.
Journey delay insurance coverage
Journey delay insurance coverage covers you while you encounter journey delays. This may very well be a delayed flight attributable to mechanical points or an sudden in a single day attributable to a weather-related cancellation. Different causes are coated, however particular person insurance policies fluctuate in what they do and do not cowl. If the explanation in your delay shouldn’t be particularly talked about in your coverage, assume that it isn’t coated.
With journey delay safety, there are two completely different “ranges” of protection, relying on the cardboard you carry.
Stage 1: Greater-end playing cards
A few of American Categorical’ prime merchandise supply journey delay reimbursement of as much as $500 per coated journey that’s delayed for greater than six hours, capped at two claims per eligible card per 12 consecutive months.*
This safety turns into efficient while you buy a ticket utilizing any of the next playing cards:
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*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Stage 2: Mid-tier playing cards
Different American Categorical playing cards supply journey delay reimbursement of as much as $300 per coated journey that’s delayed for greater than 12 hours, capped at two claims per 12 consecutive months.*
Listed here are the playing cards that embody this safety while you use them to buy your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Journey cancellation and interruption insurance coverage
This sort of protection is for conditions through which your journey is canceled or interrupted (that means you began the journey however should finish it to return dwelling). Consequently, you are compelled to forfeit pay as you go, nonrefundable reservations. Once more, make sure that your coverage mentions your particular cause for it to be coated.*
All Amex playing cards with this profit present the identical degree of safety. In case your journey is canceled or interrupted for a coated cause, you possibly can obtain a most of $10,000 per coated journey and a most of $20,000 per eligible card in a 12-month interval.
Listed here are the playing cards that embody this safety while you use them to buy journey:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
World Help Hotline
Eligible cardholders can depend on the World Help Hotline 24 hours a day, 7 days per week for medical, authorized, monetary or different choose emergency providers coordination and help whereas touring greater than 100 miles from dwelling.*
The World Help Hotline coordinates providers however shouldn’t be the service supplier. Any third-party service prices could also be your duty.
Listed here are the playing cards that embody this safety while you use them to pay in your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are accountable for the prices charged by third-party service suppliers.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Premium World Help Hotline
Just like the profit above, eligible cardholders for sure premium Amex playing cards can depend on the World Help Hotline 24/7 for medical, authorized, monetary or different choose emergency providers coordination and help providers whereas touring greater than 100 miles from dwelling. With the Premium profit, emergency medical transportation help and associated providers could also be supplied for gratis.*
If authorized and coordinated by the Premium World Help Hotline, emergency medical transportation help could also be supplied for gratis to you. In any other case, third-party service prices could also be your duty.
Listed here are the playing cards that embody this safety while you use them to pay in your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances, and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If authorized and coordinated by Premium World Help Hotline, emergency medical transportation help could also be supplied for gratis. In some other circumstance, cardmembers are accountable for the prices charged by third-party service suppliers.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Baggage insurance coverage plan
Baggage insurance coverage applies to coated individuals for eligible misplaced, broken or stolen baggage throughout journey on a typical service car (corresponding to a aircraft, practice, ship or bus) when the whole fare for a ticket on the journey (one-way or spherical journey) is charged to an eligible card.
This profit has two completely different “ranges” of protection, relying on the cardboard you carry.
Stage 1: Greater-end playing cards
A few of American Categorical’ prime merchandise supply baggage insurance coverage protection of as much as $2,000 for checked baggage and as much as a mixed most of $3,000 for checked and carry-on baggage. This protection is in extra of protection supplied by the frequent service. Protection is topic to a $3,000 combination restrict per coated journey.*
For New York state residents, there’s a $2,000 per bag/per suitcase restrict for every coated individual, with a most of $10,000 combination for all coated individuals per coated journey.*
This safety turns into efficient while you buy a ticket utilizing any of the next playing cards:
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Stage 2: Mid-tier playing cards
Different American Categorical playing cards supply baggage insurance coverage protection of as much as $1,250 for carry-on baggage and as much as $500 for checked baggage. This protection is in extra of protection supplied by the frequent service.*
For New York state residents, there’s a most of $10,000 combination for all coated individuals per coated journey.*
Listed here are the playing cards that embody this safety while you use them to buy your tickets:
*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Automobile rental loss and injury insurance coverage
Automobile rental loss and injury insurance coverage applies to the theft of or injury to most rental autos while you use an eligible card to order and pay for the whole eligible car rental and decline the collision injury waiver or related possibility supplied by the rental automobile firm. Be aware that this product offers secondary protection and doesn’t embody legal responsibility protection. Not all car varieties or leases are coated, and geographic restrictions apply.
This profit has two completely different “ranges” of protection, relying on the cardboard you carry.
Stage 1: Greater-end playing cards
A few of American Categorical’ prime merchandise supply automobile rental loss and injury insurance coverage of as much as $75,000 for theft of or injury to eligible rental autos.*
Listed here are the playing cards that embody this safety while you use them to pay for eligible leases:
Stage 2: Mid-tier playing cards
Different American Categorical playing cards supply automobile rental loss and injury insurance coverage of as much as $50,000 for theft of or injury to eligible rental autos.*
Listed here are the playing cards that embody this safety while you use them to pay for eligible leases:
*Eligibility and profit degree varies by card. Not all car varieties or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by way of American Categorical Journey Associated Providers Firm, Inc.
**The data for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Backside line
Understanding what advantages your card has to guard you when issues go unsuitable throughout a visit can assist scale back complications. To that finish, American Categorical offers a number of journey protections throughout lots of its card merchandise.
Protection limits throughout the similar profit can fluctuate by the cardboard you may have, so seek the advice of your card’s detailed advantages at americanexpress.com/benefitsguide for full particulars.
Associated: Greatest American Categorical playing cards
